Having the right auto insurance policy can keep you safe from costly liabilities on and off the road. However, picking the right policy can be tricky. This is especially true if you’re getting your own insurance for the first time. Here are a few tips to help you find the correct fit for your needs and budget. 

What to Consider When Shopping for Auto Insurance

1. Understand How Much Coverage You Need

Liability coverage is the most common type that drivers need. Required by law in most states, this covers you if your vehicle strikes another person or car and causes damage. Beyond this minimal level of protection, you may also want collision coverage to protect you in case your vehicle is struck by a rock, tree, or another projectile. You may also choose a comprehensive package that covers you for any damage that occurs outside of an accident, such as vandalism.

2. Consider Your Cost Range

Once you know what type of auto insurance policy you need, you will need to start thinking about the price range you’re looking for. The rate an insurance agency quotes you may not always be the final price you’ll pay. You can sometimes get your rate reduced by having certain features that keep your car safe. Examples include anti-theft systems that make break-ins harder, or trackers, which can tell how many sudden accelerations or stops you make within a given time period. Other features that may reduce the likelihood of a crash and lower rates could include lane-departure warning systems, automatic seat belts, or daytime running lights. 

3. Find Out the Best-Rated Providers

Once you have your options narrowed down based on your needs and costs, compare that final list based on the policy providers’ reputations. Research each company to see if they have a history of keeping rates reasonable or whether they tend to raise their prices. You may also want to find an insurance company that conducts business quickly and doesn’t leave you waiting to get the answers and help you need. Read about different providers on sites like Angie’s List and Consumer Reports.

If you need auto insurance, let Insurance Savers in Phoenix, AZ, help you find the perfect policy for your needs and budget. With a network of over 30 policy providers, this independent insurance agency can present you with the options you need to make the right decision. They have 20 years of experience and provide quick response times when helping you find your perfect fit. To get in touch, visit them online or call (602) 265-9311.